--- title: Why Sudden Merchant Account Termination Occurs description: If your business's merchant account is terminated, you won’t be able to process credit card payments. Learn how to restore your merchant account. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/merchant-account-termination.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. 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Whether you sell online, in a brick-and-mortar location or both, you need a [merchant account](https://blog.payjunction.com/merchant-account/) to accept credit card payments. A merchant account is essentially a line of credit. It’s an account that funnels your credit card profits into your business’s bank account. Fees are usually extracted from the merchant account before deposit. How is this a line of credit? If a credit card transaction turns out to be [fraudulent](https://blog.payjunction.com/friendly-chargebacks/), your Merchant Account Provider will front the funds to cover the [chargeback](https://blog.payjunction.com/fight-win-chargeback/) immediately, even if you don’t have the funds to repay the cost. This puts your provider in a risky position, which is why providers usually underwrite their customers to assess risk up front and reserve the right to terminate your merchant account should you pose undue risk to the provider. That said, businesses that don’t accept credit cards risk leaving too much money on the table. If you receive a notice of merchant account termination, following the proper steps is important to obtain a new account and preserve your business. ## Reasons for Merchant Account Termination Numerous reasons explain why your provider might terminate your account or [hold funds](https://blog.payjunction.com/paypal-holding-funds/). If you receive a notice of impending merchant account termination, contact your provider and request a written explanation. This will be helpful in establishing a new account with another provider. Here are a few reasons why your account might be terminated: - Excessive instances of chargebacks - Suspicion of fraudulent business activities - Excessive number of unauthorized transactions - Sharp increase in transaction volume - Provider no longer services your industry - Excessive fraudulent transactions - Business owner convicted of fraud - Violation of card network regulations - [PCI-DSS](https://blog.payjunction.com/payjunction-security-pci-dss-compliance/) non-compliance Many of these reasons represent a heightened risk for your provider and can constitute justifiable termination. If your business is terminated for risk-related reasons, it will likely be placed on the MATCH list, which stands for Member Alert to Control High Risk. Maintained by MasterCard, the MATCH list is effectively a blacklist. Once your business is on the MATCH list, obtaining a merchant account to process credit card transactions is much more challenging, and the terms are less savory. ## Action Steps to Reopen a Merchant Account If you intend to continue processing credit cards, you’ll need to shop for a new provider. Make sure you have the right documentation and do your research on providers before making a hasty switch. The following are good documents to have on hand when you seek a new account: - **Written reason for termination:** Honesty really is the best policy. The provider will surely conduct its research to uncover why you’re on the MATCH list. Be transparent to help build trust with a prospective provider. - **Last six to 12 months of merchant statements:** If you don’t have these statements on hand, download them now before your online portal expires. Merchant statements will showcase your history as a merchant and will corroborate your story. Your new provider will need to see statements to properly assess your risk level, as well. Providers also require a number of documents for [account set up](https://blog.payjunction.com/merchant-account-setup/), such as an application, a voided check, income and bank statements, and balance sheets. Then, contact providers that are open to taking on higher-risk businesses. These providers do exist, and their terms are just a pill you’ll have to swallow. These providers might offer higher rates, require a reserve of funds held in your merchant account to cover potential losses, take longer to approve your application and limit the cards you’re able to accept. It isn’t ideal, but it’s the most realistic path forward. The MATCH list is not a death wish for businesses that manage to obtain a high-risk account, however. So long as no new entries are made for your business, it will automatically be removed from the MATCH list after five years, allowing you to reapply for a traditional account with better rates and more flexibility. ## Learn how to set up a merchant account. [![THERE ARE 3 STEPS TO TAKE](https://no-cache.hubspot.com/cta/default/635739/5b143c67-e774-43f3-8c5d-6c2f76b9e719.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/5b143c67-e774-43f3-8c5d-6c2f76b9e719) Has your business been placed on the MATCH list? Were you able to obtain a high-risk account and get off the list? We’d love to hear about your experience in the comments section below. [Merchant Account](https://blog.payjunction.com/topic/merchant-account) [Credit Card Processing](https://blog.payjunction.com/topic/credit-card-processing) --- ##### [![Getting Started: PayJunction Login Instructions](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/video-payjunction-login.svg) Getting Started: PayJunction Login Instructions](https://blog.payjunction.com/video-payjunction-login) ##### [![6 Tips for Finding New Customers That Won't Break the Bank](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/finding-new-customers-cost-effectively.svg) 6 Tips for Finding New Customers That Won't Break the Bank](https://blog.payjunction.com/finding-new-customers-cost-effectively) ###### About Author ![Picture of Christina Lavingia](https://blog.payjunction.com/hs-fs/hubfs/Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg?width=200&height=200&name=Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg) ### Christina Lavingia Christina Lavingia delights in crafting content that helps business owners fight fraud, reduce risk and process payments with ease. ###### Related Posts ## [![Merchant Account Setup: Steps to Take](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/merchant-account-setup.svg) Merchant Account Setup: Steps to Take If you’re eager to start processing credit card transactions for your business, you’ll need a merchant account. It's essentially a line of credit that enables a business to process credit and debit card transactions.](https://blog.payjunction.com/merchant-account-setup) ## [![Understanding Merchant Credit Card Processing](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/merchant-credit-card-processing-facts.svg) Understanding Merchant Credit Card Processing No matter what side of a credit card transaction you are on, it’s likely you have a basic understanding of the process. The card is run, it’s either approved or declined, and a day or so later the customer has a new charge on his card history, and the business receives the funds.](https://blog.payjunction.com/merchant-credit-card-processing-facts) ## [![Detecting Padded Dues and Credit Card Assessment Fees](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-assessment-fees-unethical-billing.svg) Detecting Padded Dues and Credit Card Assessment Fees Due to the complexity of billing statements, many Merchant Account Providers practice unethical billing. In part four of this series, we will reveal padded dues and credit card assessment fees: another way providers make money by hiding fees from their customers.](https://blog.payjunction.com/credit-card-assessment-fees-unethical-billing) ## Meet a Payment System You’ll Love - ###### FEATURES [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) - [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) [Remote Signatures](https://www.payjunction.com/payments/signature-capture.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) - ###### RESOURCES [Product Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integrations](https://integrations.payjunction.com/) [Blog](https://blog.payjunction.com/) [Guides](https://guides.payjunction.com/) [Support](https://support.payjunction.com/) [Service Status](https://status.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) - [Trust Center](https://trust.payjunction.com/) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [Pricing](https://www.payjunction.com/payments/pricing.html) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) - ###### RESOURCES [Integrations](https://integrations.payjunction.com/) [Guides](https://guides.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) [Trust Center](https://trust.payjunction.com/) [Service Status](https://status.payjunction.com/) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) ##### 800-601-0230 SIGN UP FOR OUR NEWSLETTER  Become a better advocate for your business. 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